I was recently hit from behind in my volvo, the car was totalled out.?

Question

the insurance company has a problem with the injuries I sustained in the accident. It is their opinion that they are soft tissue injuries which is, I guess injuries usually sustained in cars from the rear. first of all I was hit from the rear, and in my opinion it had to at a very high speed for the car to be totalled, because the cars are made of steel so I had to be hit with a lot of force. I am correct in assuming this? I was wondering if someone can give me some insight on this matter, as I do not have an attorney, I am battling with the insurance company on my own. So, what i'm looking for is some statistics or something to back my argument, that the driver of the other vehicle hit me with such force that injuries sustained are sure likely, in a collison such as this.

Answer 1

1. Get a Dr's opinion on the extent of your injuries. Soft tissue injuries (like wiplash for example) are hard to doccument, bot not impossible.

2. A good rule of thumb for "do-it-yourself" settlements is that you should get the cost of medical bills paid plus three times the cost of your medical bills for pain and suffering. So if you sustained 2K in injuries, you would get 8k total (2k for the injuries plus 6k for pain and suffering).

3. The insurance company knows this. As a result they want a) to make sure that you do not over treat for your injuries and b) that they limit their losses by not paying you until you are done treating your injuries. In some cases, you can negotiate you settlement so that the insurance company pays your claims though a certain date (say 3-6 months out from the date of settlement. The best way to make sure the insurance company believes you is to share medical records (only the ones related to the accident). A laywer would tell you not to do this, but it is hard to settle without a laywer if you do not share SOME medical information. Remember, this is a negotation, so give something to get something. If you were not hurt too badly, you should do well on your own.

Good luck!

Answer 2

I can give no statistcs, but I was accused of causing soft tissue damage to a person that committed fraud (I was accused of hitting his car but the "impact" was at 1/100th mph, more like a 1/64th inch push) and they paid him $5,000 initially even though the "damage" was a piece of dirt from my bumper that "touched" his car. Sometimes there is no justice. If you have to prove that such a total would necessarily cause soft tissue damage, that is not provable because people are different. But try the National Safety Council as well as Volvo - we all know Volvo is a very highly-rated car that has saved many a life by its endurance, so they may have facts that related to an injury such as yours, but I just don't know for sure. Don't give up, but think about an attorney. There are many "pain and suffering" ones out there. Not to send you to a Yahoo! competitor, try going to craigslist and check out the legal forum, or call the American Bar Association.

Answer 3

Well apparently they have access to your medical records to know if you had soft tissue injuries or not. They have a right to review your medical records relevant to the case.

What do your medical records indicate? If you truly have sustained permanent injuries, then make your case. You can do fine as your own legal representative if you know what you are doing and stay organized.

But if you are just trying to make a buck off the insurance company, then be careful, because fraud is easily identified in this day and age. It will stay with you, and you will have trouble obtaining your own insurance if you are convicted of insurance fraud.

However, I believe Billy M has a grip on the reality of the situation better than I do.

Answer 4

Soft tissue injuries just means you have a sprain/strain to the muscles in whatever area you are complaining of. So basically, nothing was fractured, broken, herniated, etc. It doesn't sound like they are saying you weren't injured, just that these kinds of injuries are not major or serious in nature, and resolve rather quickly with or without treatment. There's medical data out there to support that position, as there is to support just about any other position.
You didn't say much about your treatment, your recovery, or what they are offering you. However, people tend to believe (I have no opinion on this) that this kind of injury is worth a lot of $. You should not expect to hit the lottery with this kind of injury, in spite of the hard hit to your car. Essentially, if there was little to no damage to your car you can expect either no payment, or very small for your injury. Without other details it's difficult to say. Insurance companies vary on their positions regarding these claims, and there are differences within states and even different areas of each state with regard to value.

Answer 5

Well, just because its totalled does not mean heavy impact or high rate of speed. Cars are now designed to crumple to absorb the energy of the impact. This keeps less of this energy making it into the cabin and affecting the passengers.

However, if you think the insurance company is not working in your best interest, get a lawyer. Most personal injury lawyers work on contigency...which means they get a portion of your settlement.

Answer 6

I don't know much, but I know if a vovlo is totaled by being hit from behind it';s got to be a pretty hard hit. If you haven't gone to a doctor, you need to. Get a professional opinion. You'll be suprised how much weight that carries.
Mostly because you don't have a lawyer, they are trying to jerk you around. Make it clear to them that you will not tolerate being treated in this manner.
Good luck, and if all else fails, go talk to a lawyer. they take cases like this on a commision basis, so it'll cost you nothing.

Answer 7

You need a shyster lawyer or you will get nothing to speak of. Sorry but it is the way the game is played. The shyster will send you to his doctor and he'll say you are totaled worse than the car. The insurance company will send you to their doctor and he'll say you can play for the NFL. Yeah both are lying but that's what the justice system is all about. You should come out with about $15,000.

Answer 8

My answer is depending on the regulations of Kansas. Statutes variety state by technique of state. a million. If Ruth were a titled proprietor of a vehicle she ought to go less than her vehicle PIP coverage. If she were uninsured then she should be accountable out of pocket. If she does not own a vehicle than she ought to go less than Mr. Brown's PIP insurance. 2. once criminal duty became sparkling, the vehicle contained in the very rear ought to pay for the front and rear damages to Mr. Brown’s vehicle. The criminal duty adj ought to could substantiate that the front vehicle felt purely a million impact. this can help that the vehicle that hit Mr. Brown pushed him into the front vehicle. If the front vehicle felt 2 impacts there should be some criminal duty subject matters that could favor to be cleared up. 3. the front vehicle ought to also be paid for by technique of the end vehicle for the excuses pronounced in #2 4. The at fault vehicle should be answerable for his own damages. If he has collision insurance than his coverage ought to pay for his vehicle if not he ought to pay out of pocket. 5. not adequate information to respond to this. favor to understand what the dec web page says. that's oftentimes something like one hundred/three hundred/one hundred. the first one hundred if for criminal duty insurance in protecting with individual. which means the most any a million injured individual will receive is one hundred,000. The three hundred means the reduce the coverage pays out for criminal duty in an twist of destiny is three hundred,000. If 5 people die in an twist of destiny the most the coverage pays is three hundred,000 divided between the 5 people. The very last one hundred is for the resources harm. it is the most the coverage pays out for resources harm in any a million loss.

Answer 9

i too got rear ended in my volvo, well mines wasn't totalled but the stupid *** insurance companies have it now as a salvage when only the rear bumper was damged, the insurance companies are b*tches and they dont want to pay you for ur injuries, i suggest you get a lawyer because you can't do it on your own, me and my family tried doing it on our own and they didn't fix it and now its a salvage car that we can't sell for any money because as salvage its only worth us maybe $700, they want to screw you over

Answer 10

volvo's are known for their safety, but i would imagine that if you got an attorney the insurance company would be more willing to listen to you and your injuries.